Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio from your monthly debt payments and gross income.
Include rent/mortgage, loan and minimum credit-card payments. Use income before tax.
Lenders generally prefer a DTI of 36% or less; many cap mortgages around 43%.
DISCLAIMER: This calculator provides estimates for general informational and educational purposes only and is not financial, investment, tax, or legal advice. Results are approximate and may not reflect your actual situation, fees, taxes, or current rates. Consult a qualified professional before making financial decisions.
What Is the Debt-to-Income Ratio Calculator?
The Debt-to-Income (DTI) Calculator divides your total monthly debt payments by your gross monthly income to show the ratio lenders use to assess borrowing. It rates the result so you can see where you stand. All calculated locally.
How It Works
Enter your total monthly debt payments (rent or mortgage, loans, minimum credit-card payments) and your gross monthly income before tax. The DTI percentage and a rating update instantly.
When to Use It
Use it before applying for a mortgage, car loan or other credit, or to track your progress as you pay down debt.
Frequently Asked Questions
- What's a good DTI ratio?
- Lenders generally prefer 36% or less. Many mortgage programs allow up to around 43%, and some higher with strong credit, but lower is better.
- Should I use gross or net income?
- Gross — your income before taxes and deductions, which is what lenders use.
Last reviewed: 2026-06-27